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Mortgages
Compare mortgage rates locally, evaluate lenders, and utilize our calculators to determine affordable home prices. Access expert guidance and updates.
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Mortgage basics
![A house](https://www.bankrate.com/2024/02/12100948/Homes_How_To_Get_The_Best_Mortgage_Rate.jpg?auto=webp&optimize=high&crop=16:9&width=320)
How to get the best mortgage rate
Mortgages
With interest rates rising, shopping around is more important than ever.
![Family moving into home](https://www.bankrate.com/2019/07/03123917/First-time-homebuyer-guide.jpg?auto=webp&optimize=high&crop=16:9&width=320)
First-time homebuyer guide
Mortgages
Being a novice often feels like a nuisance. However, there are actually perks to being a first-timer.
![](https://www.bankrate.com/2023/08/03181635/Homes_5_types_of_mortgage_loans_for_homebuyers.jpg?auto=webp&optimize=high&crop=16:9&width=320)
5 types of mortgage loans for homebuyers
Mortgages
A comprehensive list to help you find the right financing tool for your dream home.
Reviews & tools
Editor's picks
![A woman meets with her lender to refinance her mortgage.](https://www.bankrate.com/2020/05/13142658/Should_you_refinance_ARM_fixed_rate_mortgage.jpeg?auto=webp&optimize=high)
The trusted provider of accurate rates and financial information
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The latest
![HELOC is not interest only forever](https://www.bankrate.com/2019/05/28143915/HELOC-is-not-interest-only-forever.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It lets you make minimal monthly repayments for a while. But it could shock you at the end.
![Illustrated collage featuring a house with money pouring from the front door](https://www.bankrate.com/2022/12/22122345/Homes-Considerations-for-not-tapping-into-your-home-equity.jpg?auto=webp&optimize=high&crop=1:1&width=356)
For one thing, you could lose your home if things go south.
![Illustrated collage featuring a mailbox with money falling out](https://www.bankrate.com/2023/05/05104747/Homes_How-to-take-equity-out-of-your-home.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Your home isn’t a piggy bank, but there are wise ways to tap your ownership stake for cash.
![A woman meets with her lender to refinance her mortgage.](https://www.bankrate.com/2020/05/13142658/Should_you_refinance_ARM_fixed_rate_mortgage.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
It all depends on how interest rates are trending and how your financials are looking.
![A gray accented suburban home with a double garage](https://www.bankrate.com/2022/07/07104936/GettyImages-157191865.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It could be a shrewd strategy, as long as the costs suit your budget and timeline.
![Woman standing on the porch of a beach property](https://www.bankrate.com/2022/08/10123905/investment-property-statistics.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the latest investment and rental property statistics.
![](https://www.bankrate.com/2024/01/31145750/Homes-1-31analysis.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mortgage rates rose slightly this week, but remain firmly under 7 percent.
![Couple sitting on a sofa, looking at a laptop](https://www.bankrate.com/brp/2024/08/21132012/should-you-refi-now-or-wait.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mortgage rates have fallen, but the imminent Fed cut could make them even more favorable for refinancers.
![Illustrated collage featuring a mailbox with money falling out](https://www.bankrate.com/2023/05/05104747/Homes_How-to-take-equity-out-of-your-home.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Your home isn’t a piggy bank, but there are wise ways to tap your ownership stake for cash.
![A woman meets with her lender to refinance her mortgage.](https://www.bankrate.com/2020/05/13142658/Should_you_refinance_ARM_fixed_rate_mortgage.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
It all depends on how interest rates are trending and how your financials are looking.
![A gray accented suburban home with a double garage](https://www.bankrate.com/2022/07/07104936/GettyImages-157191865.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It could be a shrewd strategy, as long as the costs suit your budget and timeline.
![](https://www.bankrate.com/2024/01/31145750/Homes-1-31analysis.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mortgage rates rose slightly this week, but remain firmly under 7 percent.
![Couple sitting on a sofa, looking at a laptop](https://www.bankrate.com/brp/2024/08/21132012/should-you-refi-now-or-wait.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mortgage rates have fallen, but the imminent Fed cut could make them even more favorable for refinancers.
![A woman reviewing documents](https://www.bankrate.com/2023/04/12124827/Homes-Key-mortgage-terms-to-know.jpg?auto=webp&optimize=high&crop=1:1&width=356)
From A(RMs) to V(A loans), the most common words mortgage shoppers should know.
![Illustrated image with a man and a dog](https://www.bankrate.com/2023/02/07094813/BR_Banking_Refinancing_a_home_equity_loan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
How to calculate if the costs outweigh the benefits.
![A house with a fenced-in yard](https://www.bankrate.com/2020/07/01094355/What_is_prepayment_penalty.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It’s basically a fee to stop you from settling your mortgage early.
![](https://www.bankrate.com/2024/01/19120134/Mortgages-best-construction-loan-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here is Bankrate’s guide to the best construction loan lenders.
![](https://www.bankrate.com/2024/01/18084621/Homes_Best-FHA-mortgage-lenders-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
When it comes to these easier-to-qualify-for loans, these lenders are tops.
![Image of houses on a sunny day](https://www.bankrate.com/2024/01/30103521/Homes-Best-mortgage-lenders-in-February-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the best mortgage lenders for April 2024.
![](https://www.bankrate.com/2023/12/19115614/Mortgages-best-203k-rehab-mortgage-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here is Bankrate’s guide to the best 203(k) rehab mortgage lenders.
![](https://www.bankrate.com/2024/01/18084138/Homes_Best-low-credit-score-mortgage-lenders-of-January-2024_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best bad credit mortgage lenders in 2024.
![](https://www.bankrate.com/2024/01/18083208/Homes_Best-mortgage-lenders-in-Online-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
OK with doing your loan digitally? These mortgage companies are the tops.
![](https://www.bankrate.com/2024/01/19120653/Mortgages-best-refinance-mortgage-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best mortgage refinance lenders in 2024.
![Illustrated image featuring a house](https://www.bankrate.com/2023/12/29172148/Homes_Best-mortgage-lenders-no-origination-fee-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate’s guide to finding the best reverse mortgage lender for you
![Colorful town houses in Portland Oregon](https://www.bankrate.com/2020/11/17092341/homestead-exemption.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It can shield you from financial claims or taxes imposed on your home.
![Row of small brick bungalow houses with gables](https://www.bankrate.com/2022/10/06132503/judicial-foreclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Judicial foreclosures, as opposed to non-judicial ones, are executed in the court system — meaning they involve a lawsuit.
![Storm approaching the Hillsboro Beach near Miami, Florida](https://www.bankrate.com/2022/10/05103330/disaster-forbearance-hurricane-relief.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Following the storm, Fannie Mae and others have authorized forbearance plans for affected borrowers.
![](https://www.bankrate.com/2021/03/09120218/GettyImages-10168311.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Before a long-distance relocation, some soul searching and some research are in order.
![homes in San Jose](https://www.bankrate.com/2022/03/10114403/February-2022-hottest-markets.jpg?auto=webp&optimize=high&crop=1:1&width=356)
California is hot, Green Bay is not, this survey says.
![San Francisco homes](https://www.bankrate.com/2022/01/12164425/Hottest-coolest-housing-markets-Dec.jpg?auto=webp&optimize=high&crop=1:1&width=356)
San Francisco had the most homes topping list price in December.
![Mortgage rate forecast for January 2022: Higher rates ring in the New Year](https://www.bankrate.com/2022/01/02170141/Resized-Mortgage-rate-forecast-for-January-2022-Higher-rates-ring-in-the-New-Year.png?auto=webp&optimize=high&crop=1:1&width=356)
Will rates move higher from their near-record lows? The experts weigh in.
![house with snow](https://www.bankrate.com/2021/12/29151404/5-housing-trends-for-2022.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The National Association of Realtors expects price appreciation to dip below 3% in 2022.